Insuring a Smart costs about $706 a year for a typical model at the US average — below average — cheaper than most brands. The cheapest is the Fortwo (~$706/yr), the priciest the Fortwo (~$706/yr). Your own rate shifts with your state, age and record — but the model you pick sets the baseline.
Smart insurance cost by model
Estimated annual premium for every Smart model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page.
Cheapest Smarts to insure
The Smart models that cost the least to insure at the US average.
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Smart insurance cost by state — all 50
Where you live moves a Smart premium as much as which model you pick. A typical Smart (index 49) runs about $979/yr in Florida but only $455/yr in Maine — a swing of over $524 on the same car.
Estimated annual premium for a typical Smart in every state, priciest first.
| State | Typical Smart / yr | vs US average |
|---|---|---|
| Florida | $979/yr | +39% vs US |
| Louisiana | $972/yr | +38% vs US |
| New York | $931/yr | +32% vs US |
| District of Columbia | $893/yr | +26% vs US |
| Georgia | $857/yr | +21% vs US |
| Texas | $848/yr | +20% vs US |
| Rhode Island | $839/yr | +19% vs US |
| New Jersey | $831/yr | +18% vs US |
| Colorado | $813/yr | +15% vs US |
| Maryland | $787/yr | +11% vs US |
| Nevada | $786/yr | +11% vs US |
| Michigan | $772/yr | +9% vs US |
| Delaware | $770/yr | +9% vs US |
| South Carolina | $745/yr | +6% vs US |
| Connecticut | $741/yr | +5% vs US |
| Arizona | $739/yr | +5% vs US |
| California | $696/yr | -1% vs US |
| Massachusetts | $694/yr | -2% vs US |
| Mississippi | $685/yr | -3% vs US |
| Oklahoma | $650/yr | -8% vs US |
| Missouri | $649/yr | -8% vs US |
| New Mexico | $639/yr | -9% vs US |
| Arkansas | $637/yr | -10% vs US |
| Utah | $631/yr | -11% vs US |
| Pennsylvania | $625/yr | -11% vs US |
| Alabama | $623/yr | -12% vs US |
| Oregon | $623/yr | -12% vs US |
| Alaska | $620/yr | -12% vs US |
| Illinois | $617/yr | -13% vs US |
| Virginia | $608/yr | -14% vs US |
| Washington | $606/yr | -14% vs US |
| West Virginia | $603/yr | -15% vs US |
| Minnesota | $601/yr | -15% vs US |
| Tennessee | $595/yr | -16% vs US |
| Kentucky | $593/yr | -16% vs US |
| Nebraska | $581/yr | -18% vs US |
| Montana | $581/yr | -18% vs US |
| Kansas | $580/yr | -18% vs US |
| Wyoming | $579/yr | -18% vs US |
| South Dakota | $568/yr | -20% vs US |
| North Carolina | $538/yr | -24% vs US |
| Ohio | $509/yr | -28% vs US |
| New Hampshire | $507/yr | -28% vs US |
| Indiana | $507/yr | -28% vs US |
| Iowa | $496/yr | -30% vs US |
| Wisconsin | $491/yr | -30% vs US |
| Hawaii | $490/yr | -31% vs US |
| Idaho | $482/yr | -32% vs US |
| North Dakota | $472/yr | -33% vs US |
| Vermont | $470/yr | -33% vs US |
| Maine | $455/yr | -36% vs US |
Estimate a specific Smart model in your state →
Smart insurance cost by year
A typical Smart costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Smart premium by year (US average):
| Year | Typical Smart / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.